Cover your head (up to 40 percent of your body heat can escape through the top of your head)

Protect your hands and feet, especially your fingers and toes

Drinking plenty of nonalcoholic beverages is important in winter -- just as it is in summer. Water should be your beverage of choice. The dry winter air can dehydrate your body, and you'll need to replace that lost water. Hot drinks can provide that much-needed liquid and at the same time give you a warming effect from the inside out.

Be conservative with your thermostat. Not only will you save on heating bills, but you'll be able to adjust to the cold much easier. Extreme changes in temperature from indoors to outdoors makes that adjustment difficult, so lowering your thermostat will help make the change easier to take.

Watch out for alcohol and cigarettes. Drinking alcohol opens blood vessels, which makes your body lose heat more quickly. Cigarette smoking limits the amount of blood that moves in your veins and arteries, which increases your chances for frostbite.